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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CETERA INVESTMENT ADVISERS LLC Service code 26 | Advisory (Participants) | $12,589 |
Filed as: ADVISED ASSETS GROUP Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $4,655 |
Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $2,617 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $441 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,955 | $35,986-5.6% | $77,513-56.2% | $73,493-53.8% |
| Participation rate | 39.6% | 40.8%-1.2pp | 54.2%-14.6pp | 70.7%-31.0pp |
| Annual return | 17.02% | 19.26%-2.2pp | 54.81%-37.8pp | 28.51%-11.5pp |
| Employer contribution / active EE | $1,003 | $557+80.0% | $987+1.7% | $2,270-55.8% |
| Participant deferral / active EE | $1,497 | $1,198+25.0% | $1,861-19.5% | $3,740-60.0% |
| Admin fee / account holder | $188 | $466-59.7% | $2,859-93.4% | $513-63.4% |